He talked about the challenges and development of credit reporting in Iran. Besides, he presented the products and achievements of Iran credit scoring Co. Dr. Ahmad Mojtahed, vice-chairman of Bank Saman, was the other speaker and talked about the role of credit reporting and credit scoring in making credit decision. Mr. Karel Racil, senior manager at Creditinfo Solution, continued and elaborated on the role of credit reporting and credit scoring in financial inclusion. Dr. Saeed Taghi Molaei, deputy consultant at economic affairs and finance ministry, talked about the role of credit index in improving business and the role of credit scoring in facilitating business. Finally, Serhat Ucel, country manager at Prometeia, gave speech about the role of credit scoring in risk management, in accordance with banking standards. It is worth mentioning that panel discussion about challenges of credit scoring business was also held with attendance of specialists.